WELCOMETO THE WORLD OF YES PREMIA!

EXPERIENCE GUIDE

Dear Valued Customer,

I am delighted to welcome you to the YES PREMIA Credit Card

Programme!

At YES BANK, it is our continuous endeavour to provide you with

innovative financial solutions to meet all your banking needs, while

offering you a Consistent & Superior Service Experience. We aspire to

be your partner in your financial growth, by offering you a host of

personalised products and services.

Through our premium YES PREMIA Credit Card programme, we are

pleased to bring to you a world of privileges presented through a highly

secure technology, best-in-class partnerships & alliances, attractive

interest rates and above all, an unstinted commitment to serve you

better, always.

This Experience Guide will assist you in familiarising yourself with the

features and benefits that your YES PREMIA Credit Card offers. We

thank you for banking with YES BANK and assure you of our best

services at all times.

YES FOR YOU!

Sincerely,

YES BANK Ltd.

YES PREMIA Credit Card Primary Benefits 04

Additional Benefits 12

Card Usage 14

How To Use Your CHIP + PIN Card 14

Paying Your Credit Card Bill 16

CONTENTS

WELCOME & ANNUAL BENEFITS

Welcome Benefit*

Spend `25,000 within 90 days of card set-up date and get a First Year Membership Fee waiver.

Reward Benefit

Spend `1,50,000 in an anniversary year** and get a Renewal Anniversary Fee waiver.

*Valid on retail transactions only. **Anniversary year is defined as 12 months from the date of card set-up or date of renewal.

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1. Applicable on retail transactions only (except on Select categories). Not valid on Fuel transactions, Cash Advance, Fees & Charges, LoungeKey charges, EMI on Call & Instant EMI transactions

2. For more information on Select Categories, please visit www.yesbank.in/personal-banking/yes-premia/credit-card

Reward Points Accrual

• 6 Reward Points for every INR 200 for all spends except on select categories1

• 3 Reward Points for every INR 200 on select categories2

Reward Points Redemption

Redeem your Reward Points across a wide selection of handpicked items or simply book your favourite flight, hotel or movie tickets at www.yesrewardz.com/ creditcard or contact our dedicated YES Rewardz Desk at: 1800 419 0600 (Available between 9 am to 9 pm, all days of the week).

Your redemption options include:• Exciting Gifts and Vouchers from handpicked Rewards Catalogue• Booking of Flight Tickets across major airlines• Hotel Bookings across major hotel chains around the world• Air Miles at select Airline partners

REWARDS PROGRAMMEEarn more with every transaction

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INTEREST RATES & FOREIGN CURRENCY MARKUP

Interest RateInterest Rate of 3.50% per month (42.00% annually) on revolving credit

Foreign Currency Markup Attractive Foreign Currency markup of 2.50% on all international transactions

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Domestic & International Lounge Program

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International Lounge Program*

Cards issued on Mastercard: Complimentary Priority Pass Membership (available upon request) with 2 complimentary visits per calendar year at airports outside India. A charge of US $27+GST will be applicable for usage beyond 2 visits, all guest visits and usage at Airports within India.

Cards issued on VISA: Avail 2 Complimentary Airport Lounge Visits per calendar year through the LoungeKey Program. Present your Visa branded YES BANK Credit Card to access Lounges outside India displaying the LoungeKey logo. A charge of US $27+GST will be applicable for usage beyond 2 visits and all guest visits.

Domestic Lounge Program#

Primary Cardmembers enjoy 1 complimentary Domestic Airport Lounge visit in India per calendar quarter.*All applicable charges will be billed in Indian Rupees to the card account and will reflect in the monthly card statement. The charges are subject to change by Priority Pass (for cards issued on Mastercard) and LoungeKey (for cards issued on VISA) from time to time. Priority Pass membership is applicable only for the Primary Cardmember (for cards issued on Mastercard), and is non-transferable to any other person(s). To apply for your Priority Pass membership, please download the Application Form and follow the steps mentioned in the form.For complete list of lounges, please visit www.prioritypass.com (for cards issued on Mastercard) and www.loungekey.com/yesbankcreditcards (for cards issued on VISA).# The list of lounges may be changed by Mastercard or VISA at their sole discretion and without any prior intimation to Cardmembers. Please visit www.yesbank.in for Domestic Lounge Program Terms & Conditions and latest list of participating lounges.

For cards issued on Mastercard, please contact Mastercard Golf Concierge on 1800 102 6263 for bookings.

For cards issued on VISA, please visit https://teepassindia.thriwe.com/ to register self for bookings.

*Terms & Conditions apply. Please visit www.yesbank.in for Terms & Conditions. The list of golf courses may be changed by Mastercard or VISA at their sole discretion and without prior notice, to YES BANK or its Cardmembers.

• Enjoy waiver of Green Fee at select golf courses* in India

• Enjoy complimentary Golf Lessons at select golf courses* in India

Golf Programe

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MOVIES GALORE, WITH GREAT DISCOUNTS!

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Book movie tickets with your card and avail 25% discount* on the movie ticket value when booked at www.bookmyshow.com or on BookMyShow mobile app. (Applicable for tickets booked for cinemas in India only)

*Total value of discount in a calendar month is capped at `250 per card or 25% of ticket value, whichever is lower (subject to change).

The YES PREMIA Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless cards.

• There is no need to enter your card PIN. The card needs to be touched orkept near the reader*

• The card never leaves your hand, thereby reducing the risk of card loss orcounterfeit

• Payments are supported by state-of-the-art multi-level security protections, which safeguard your card transactions

• For merchants not accepting contactless transactions, CHIP & PIN transactionswork seamlessly

*Please note that the requirement for PIN entry on the POS terminal, at the merchant outlet, is a function of country-specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit. Currently in India, the permissible limit is `5,000. To know more, please visit www.yesbank.in

CONTACTLESS CARD TECHNOLOGY

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Offers on your Card

Indulge in a host of offers across categories like shopping, dining, travel, leisure & wellness. Please visit www.yesbank.in/offers for latest offers on your card.

Cash at your Fingertips

In a situation where you need cash, just step into any one of our ATMs, or member ATMs, and withdraw cash up to 30% of your credit limit at a very nominal charge (please refer to the ‘Most Important Terms and Conditions’ document available on the E - Welcome kit section, on the YES BANK Credit Card pages).

OFFERS & PRIVILEGES

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Fuel Surcharge Waiver*Enjoy fuel surcharge waiver at all fuel stations across India, for transactions between `400 to `5,000.

Add-On Cards

Being a Primary YES BANK Credit Cardmember, you can avail up to 3 add-on YES BANK Credit Cards for your spouse, parents, siblings, son and/or daughter (over 18 years).

Zero Lost Card Liability

Simply call us at our 24x7 YES TOUCH Customer Care Number and report the loss of your Credit Card. We will immediately block your card and deliver a new card. Any fraudulent transactions after reporting the loss will be covered. Kindly make sure to file an FIR for the lost/stolen card at the nearest police station and send us the acknowledgement copy, along with a written confirmation.

If you happen to recover the card after having reported it as lost/stolen, please do not use it. Cut it into 4 pieces, at least once through the magnetic strip and CHIP, and return it to us with a covering letter.

*Total waiver in a statement cycle is capped at `250.

ADDITIONAL BENEFITS

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*Please visit www.yesbank.in for detailed Terms & Conditions on Insurance Cover.

Credit Shield

The outstanding amount on your YES PREMIA Credit Card is covered to an extent of `2.5 Lakhs, in case of accidental death of Primary Cardmember.

INSURANCE COVERAGE

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• Before signing or using your card, please make sure that you read the'Cardmember Agreement’ document available on the E-Welcome kit sectionon the YES BANK Credit Card pages. This will help you understand yourcard better and make the best use of it. Please refer to the YES BANKwebsite for more details

• This card is for your use only. Do not surrender your card to anyone even if theyclaim to represent the Bank

• You can choose to set up your own PIN by using YES BANK NetBanking orYES Mobile App

• Do not disclose your Personal Identification Number (PIN) to anyone

• Always carry the telephone number of our 24x7 YES TOUCH Customer CareNumber in case of an emergency

CARD USAGE

HOW TO USE YOUR CHIP + PIN CARDPoint of Sale Transaction

The CHIP & PIN card come to you with greater security.

The Point of Sale terminal will prompt you for a PIN

The merchant will enter the transaction amount to be paid by you

The merchant will insert your card at a CHIP & PIN enabled Point of Sale terminal

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Enter your correct 4-digit Credit Card PIN and pull out the card once the transaction is complete

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AUTHENTICATING YOUR ONLINE TRANSACTIONSYou have an option to set a password of your choice or use a One-time Password for authentication of your online transactions.A) Authentication using 3D Secure PasswordMastercard SecureCode or Verified by VISA is an easy to use, secure online payment service on your YES BANK Credit Card, that lets you shop online securely with a password of your choice. To generate your 3D Secure Password, please log on towww.yesbank.in

B) Authentication Using One-time Password (OTP):Online transactions on YES BANK Credit Card are more convenient with One Time Password (OTP) authentication. Please select OTP as authentication option during online transactions. The OTP shall be sent to your registered mobile number.

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For YES BANK Account Holders:

• YES ONLINE (NetBanking)/ YES Mobile App: Register yourself for theNetBanking facility and make Credit Card payments online

• ATM Funds Transfer: You can transfer funds from your Savings/Current Accountto your Credit Card Account at any YES BANK ATM

• Standing Instructions: You can submit written instructions, to automaticallydebit a pre-determined portion of your monthly outstanding from yourSavings/Current Account to your Credit Card Account

For All Customers:

• NEFT: You can make your payment through NEFT fund transfer mode from otherbank accounts. Use IFSC code: YESB0CMSNOC

• Cheque Payment: You can make your YES BANK Credit Card payment bycheque, quoting your 16-digit Credit Card Number, and drop the cheque at any ofour drop boxes in your city. Please mention your name and mobile number at theback of the cheque

• NetBanking: Make payment through any bank NetBanking account, using BillDeskfacility at www.yesbank.in

• Cash Payment: You can also make payment through Cash at YES BANKBranches. Please refer to the Schedule of Charges in the Most Important Terms &Conditions for charges applicable for cash payments

• YES Mobile App: You can pay through your YES BANK Savings Account or anyother bank account.

• YES Pay App: You can also pay your Credit Card bill with your YES BANKaccount or any other bank account using UPI*

PAYING YOUR CREDIT CARD BILL

For more guidelines, please visit www.yesbank.in

The product features are subject to change. Please visit www.yesbank.in for more guidelines and details about latest features on your card.

*Currently available only on android devices

1800 103 1212 (Toll Free for Mobile & Landlines in India) +91 22 4935 0000 (When calling from Outside India)

Log on to our website www.yesbank.in Email us at yestouchcc@yesbank.in

YES Rewardz DeskFor any queries on your Reward Points Redemption, please contact our dedicated YES Rewardz Desk at 1800 419 0600 (between 9 am to 9 pm, all days of the week).

CONTACT US

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